Columbia Bank · 10 hours ago
Credit Analyst
Irvine, CA
Full-time
Onsite
Entry Level
1+ years expColumbia Bank is a financial institution seeking a Credit Analyst to review and analyze credit data for commercial loans. The role involves working with clients and Commercial Relationship Managers to assess loan needs, perform financial analyses, and ensure compliance with banking regulations.
BankingFinanceFinancial Services
Responsibilities
Responsible for the review, analysis, and evaluation of credit data for commercial loans
Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports
Works with clients and Commercial Relationship Managers to analyze loan needs and options available to meet clients’ financial goals
Spreads financial statements and related information to financial spreadsheets and/or software programs for analysis
Analyzes Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage for Asset Based loans
Analyzes financial data related to new and renewal commercial loan requests, including lines of credit, asset-based lines, equipment financing loans and/or commercial real estate loans
Conducts credit investigations and prepares credit approval reports and summarizes credit
Monitors existing loans to ensure complete conformity with terms
Presents facts and offers opinions to Commercial Relationship Managers concerning applicant’s credit worthiness
Complies with all Federal, State, and local laws/regulations as applicable
Provide exemplary customer service to internal and external clients
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training
Keeps up to date on regulation changes
Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training
Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description
May be asked to coach, mentor, or train others and teach coursework as subject matter expert
Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words
Takes personal initiative and is a positive example for others to emulate
Embraces our vision to become 'Business Bank of Choice'
May perform other duties as assigned
Qualification
Required
Less than 1 years — of relevant credit analysis, underwriting experience, commercial or consumer lending experience (Required)
Basic analytical and problem-solving skills
Strong written and verbal communications skills
Basic understanding of banking and credit administration environments
Basic credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
Basic knowledge of credit policies, procedures, practices and documentation
Basic understanding of personal and business financial statements and tax returns
Basic knowledge of loan documentation and collateral perfection
Ability to learn loan origination, financial spreading, and other banking software
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships
Proficiency with personal computers and related software packages such as Word and Excel, and other business machines
Benefits
Comprehensive healthcare coverage (medical, dental, and vision plans)
401(k)-retirement savings plan with employer match for qualifying associate contributions
Employee assistance program
Life insurance
Disability insurance
Tuition assistance
Mental health resources
Identity theft protection
Legal support
Auto and home insurance
Pet insurance
Access to an online discount marketplace
Paid vacation
Sick days
Volunteer days
Holidays
Company
Columbia Bank
Columbia Bank is a provider of personal and business banking services.
1001-5000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2020-06-01Acquired
Leadership Team
Kelly Kelly
VP, Human Resources Business Partner
Todd Leber
Chief Commercial Banking Officer
Recent News
2025-12-20
2025-12-16
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